Hart
Solid value in a growing area
6 homes for sale·Median $255K·Schools 6.3/10
What might surprise you is how close everything sits—the grocery store is literally steps away, restaurants are equally near, and Lake Michigan itself is just a tenth of a mile out. You'd think a place this compact would feel cramped, but the homes here tend to occupy oversized lots, and there's a real sense of breathing room despite the walkable scale. Liberty Park sits right at the edge of the neighborhood, and there are four parks within a mile, which means you're never far from green space or a place to walk. The housing stock runs toward the practical: three and four-bedroom homes on substantial land, many with garages, many recently renovated—kitchens and bathrooms get updated, hardwood floors get refinished, basements become second living areas. You get the sense people aren't passing through; they're investing in the bones of older homes and staying put. Vacant homes move quickly here, which suggests the market knows something about supply and demand in a place where you can roll out your door and be at the water's edge in under two minutes.
Why people love it here
$55K median household income
- $255K median · 22 sales in last 12mo
Hart High School
- High — 0.2 mi away
- Hart
- 3 rated schools in district
Park-rich area
- 36 parks within 1 mile
Mortgage Calculator
Median home price in Hart
Estimated Monthly Payment
$1,731/mo
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
22 homes sold in Hart this year. Thinking of selling?
See what your home is worthBased on 3 rated schools nearby
Range: 5/10 to 8/10
School District: Hart Public School District
Flood Risk
None
Not in flood zone
Nearest Park
Liberty Park
0.3 mi
Parks Nearby
36
within 1 mile
In 2024, the most common reported offenses in Hart were larceny / theft (3,406 per 100,000 residents) and aggravated assault (389 per 100,000 residents), per FBI Uniform Crime Reporting — with a comparison to similar-size Michigan cities below.
No homicides were reported in 2024.
| Offense type | Per 100k residents |
|---|---|
| Larceny / theft | 3,406 |
| Aggravated assault | 389 |
| Burglary | 389 |
| Rape | 49 |
| Motor-vehicle theft | 49 |
| Homicide | 0 |
| Robbery | 0 |
| Arson | 0 |
How Hart compares to similar-size Michigan cities
| City | Population | Violent /100k | Property /100k |
|---|---|---|---|
| Reed City | 2,532 | 474 | 1,659 |
| Montague | 2,417 | 0 | 414 |
| Saugatuck-Douglas | 2,301 | 0 | 435 |
| Shelby | 2,177 | 46 | 413 |
| Hart | 2,055 | 438 | 3,844 |
Reported offenses per 100,000 residents, Hart Police Department, FBI Uniform Crime Reporting (2024). Comparison cities are the nearest in population, ordered by size — not ranked by crime. Crime is reported at the jurisdiction level and varies block to block within any community.
To buy a median-priced Hart home (around $255,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $41k/year in household income to qualify — an estimated monthly payment of $1,537 (principal, interest, property tax, and insurance).
The typical Hart household earns $55,066 — above what the median home requires. At that income, a buyer can afford roughly $353,000 with 20% down.
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,537/mo | $40,992 |
| 10% (+PMI) | $1,793/mo | $47,809 |
| 5% (+PMI) | $1,878/mo | $50,084 |
Estimates use a 6.43% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price and median property taxes, plus estimated insurance and PMI below 20% down. Not an APR or a commitment to lend — your actual rate and payment will vary.
Land for sale
Listings
7 parcels
Active / pending
Typical Land Value
$40K/acre
Median asking
Median Price
$110K
Per listing
Association and local-government details are compiled from public records, municipal sites, and state registries, and can change. Confirm directly with the association or municipality before relying on them.
City of Hart (provides receptacle); Oceana County Transfer Station & Recycling
City provides trash receptacle to utility customers; county transfer/recycling center available
Hart Energy Department (municipal electric)
City-owned municipal electric utility; office at 3907 N Oceana Dr
Confirm by addressSource: cityofhart.org
Utility, solar, and service details for Hart are compiled from public records, municipal sites, and NREL / U.S. data.gov, and can change. Electric/gas can vary by address — confirm with the provider before relying on them.
Median Income
$55K
Home Value (Census)
$120K
🛒 Grocery(1)
Hansen Foods
Grocery Store
🍕 Restaurants(3)
🏫 Schools(7)
Oceana Intermediate School
Garver School
Donaldson School
Round Lake School
Van Wickle School
+2 more within 5 miles
🌳 Parks(6)
+3 more within 5 miles
🚴 Trails(9)
Bike Path
Bike Path
Unnamed bike_path
Bike Path
Hart-Montague Bicycle Trail
Bike Path
+6 more within 5 miles
📚 Libraries(1)
Hart Public Library
Frequently asked about Hart
- What do homes cost in Hart?
- The median home value in Hart is about $255,000. Individual prices vary by street, size, and condition.
- How active is the Hart housing market?
- there are 6 homes for sale in Hart right now, and 22 homes sold here in the last 12 months. Listings refresh throughout the day from the MichRIC MLS.
- What schools serve Hart?
- Hart is served by Hart Public School District. Its highest-rated assigned school is Hart High School (8/10).